Call your old insurance company and find out if your coverage has expired and, if so, how long you have been without car insurance coverage. If you haven't made a payment recently, your insurance may not have been canceled yet. This information is not an insurance policy, does not refer to any specific insurance policy, and does not modify any provision, limitation or exclusion that is expressly stated in any insurance policy. Your car insurance company will likely send you a letter explaining why your coverage was canceled.
First, you can call your insurance company to discuss whether your insurer might be willing to keep your policy. Unfortunately, if your car insurance company cancels your coverage, obtaining another policy could be difficult and expensive, depending on the reason for the cancellation. Make your payment as soon as possible, as the grace period for car insurance may vary depending on your insurer. All insurance products are governed by the terms of the applicable insurance policy, and all related decisions (such as coverage approval, premiums, fees and charges) and policy obligations are the sole responsibility of the insurance insurer.
Other insurance companies may consider the reasons that often lead to cancellation, such as license suspension, to be evidence of high-risk behavior, which generally leads to increased car insurance costs. Auto insurance companies can cancel or “cancel” your coverage, although you will usually be notified well in advance to get a new policy. However, sometimes, even after you've purchased a policy, your car insurance policy may be canceled or not renewed. Auto insurance companies often offer a grace period for late car insurance payments, so a payment that's late by a few days shouldn't be a problem.